The complete compliance manual template for Payment Institutions and Electronic Money Institutions – delivered as a fully editable Microsoft Word document.

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🔵 WHY WORD FORMAT MATTERS

Unlike locked PDFs, this genuine .docx file lets you:

✅ Add your company name, logo, and branding

✅ Customise policies to match your business

✅ Remove sections that don't apply to you

✅ Update content as regulations change

✅ Works with Word, Google Docs, LibreOffice

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🔵 DECEMBER 2025 REGULATORY UPDATES INCLUDED

This template covers ALL major 2024-2025 regulatory changes:

✓ Consumer Duty (Principle 12) – Full implementation guidance

✓ Safeguarding Reforms (PS25/12, CASS 15) – New regime

✓ APP Fraud Reimbursement – October 2024 requirements (£85k limit)

✓ Payment Delays – Payment Services (Amendment) Regulations 2024

✓ Operational Resilience – PS21/3 (March 2025 deadline passed)

✓ AML/CTF Updates – Including FG25/3 PEP guidance

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🔵 WHAT'S INCLUDED – 23 COMPREHENSIVE SECTIONS

1-2  Introduction & Staff Responsibilities

3   Regulatory Environment (PSRs 2017, EMRs 2011)

4   FCA Principles for Business (all 12 principles)

5   Consumer Duty – Four outcomes framework

6   Safeguarding of Relevant Funds

7   APP Fraud Reimbursement

8   Payment Delays for Fraud Prevention

9   Operational Resilience

10   AML/CTF & Financial Crime

11-12 Governance & Compliance Structure

13   Conflicts of Interest

14   Dealing with Customers

15   Complaints Handling

16   Training & Competence

17   Bribery Act & Fraud Prevention

18   Data Protection (UK GDPR)

19   Outsourcing & Agents

20   FCA Notifications

21   Breach & Enforcement

22   Compliance Monitoring

23   Anti-Tax Evasion

PLUS APPENDICES:

• Key Personnel Register

• Customer Identification Requirements

• Key Legislation & Regulations

• Complaints Log Framework

• Regulatory Bibliography with live links

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🔵 PERFECT FOR:

✓ Authorised Payment Institutions (APIs)

✓ Small Payment Institutions (SPIs)

✓ Authorised EMIs

✓ Small EMIs

✓ RAISPs (Account Information Service Providers)

✓ Firms applying for FCA authorisation

✓ Compliance officers updating existing manuals

✓ Consultants supporting payment services clients

⚠️ NOT for FSMA investment firms, mortgage brokers, or insurers.

  We have separate templates for those sectors.

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🔵 INSTANT DOWNLOAD

Your Word document is available immediately after payment.

No waiting. No physical delivery. Download and start customising today.

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💼 NEED BESPOKE COMPLIANCE SUPPORT?

Our consultancy team can help you customise this template or provide full compliance services.

📧 info@complianceconsultant.org

📞 0800 689 0190

🌐 https://complianceconsultant.org

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Compliance Consultant – Making Compliance Work

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